How Much Do I Need For Emergencies?

Assumptions
Current gross monthly income 
Current emergency funds available 
Number of months for fund to last 
Before tax return on savings: (%) 
Marginal tax bracket: (%) 
Number of months to accumulate funds 
Expenses
Total monthly living expenses, if plan to itemize below then leave at 0. 
Or Itemize Monthly
Mortgage payment or rent 
Vacation home (mortgage) 
Automobile loan(s) 
Personal loan(s) 
Charge accounts 
Federal income taxes 
State income taxes 
FICA (social security taxes) 
Real estate taxes 
Other taxes 
Utilities 
Household repairs and maintenance 
Food 
Clothing and laundry 
Educational expenses 
Child care 
Automobile expenses (gas, repairs, etc.) 
Other transportation expenses 
Life insurance premiums 
Homeowners (renters) insurance 
Automobile insurance 
Medical, dental and disability insurance 
Entertainment and dining 
Recreation and travel 
Club dues 
Hobbies 
Gifts 
Major home improvements and furnishings 
Professional services 
Charitable contributions 
Other and miscellaneous expenses 
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